Call reports 2018
TROY BANK & TRUST COMPANY — 2018
What TROY BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 893,691,000 | 904,671,000 | 899,760,000 | 875,923,000 |
| Total loans | 544,744,000 | 557,453,000 | 565,887,000 | 572,024,000 |
| Allowance for loan losses | 8,063,000 | 8,277,000 | 8,424,000 | 8,626,000 |
| Securities available for sale | 277,250,000 | 278,595,000 | 264,025,000 | 237,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 771,517,000 | 778,059,000 | 770,049,000 | 742,928,000 |
| Interest-bearing deposits | 739,055,000 | 743,527,000 | 736,850,000 | 710,053,000 |
| Noninterest-bearing deposits | 32,462,000 | 34,532,000 | 33,199,000 | 32,875,000 |
| Equity capital | 97,626,000 | 100,959,000 | 102,172,000 | 104,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 9,037,000 | 18,562,000 | 28,350,000 | 38,330,000 |
| Interest expense | 1,738,000 | 3,581,000 | 5,550,000 | 7,737,000 |
| Net interest income | 7,299,000 | 14,981,000 | 22,800,000 | 30,593,000 |
| Noninterest income | 1,212,000 | 5,186,000 | 6,506,000 | 7,763,000 |
| Noninterest expense | 5,628,000 | 11,105,000 | 16,728,000 | 22,233,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,200,000 | 1,500,000 |
| Pretax income | 2,625,000 | 8,404,000 | 11,551,000 | 14,812,000 |
| Income tax | -216,000 | 903,000 | 1,453,000 | 2,060,000 |
| Net income | 2,841,000 | 7,501,000 | 10,098,000 | 12,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,958,000 | 96,959,000 | 99,899,000 | 102,662,000 |
| Total capital | 100,021,000 | 105,236,000 | 108,323,000 | 111,288,000 |
| Risk-weighted assets | 682,547,000 | 698,633,000 | 702,020,000 | 693,019,000 |